中国开展银行业务外包的研究

银行业务外包是指银行通过契约将原内部工作交由他人完成,是银行应对日益激烈的市场竞争的重要工具,也是银行主动调整战略、实现核心价值的有效手段.银行业务外包研究在国外比较热门,研究较为深入,而随着中国对WTO组织承诺的到来,中国银行业面临着与国外实力银行竞争,银行业务外包也越来越引起国内理论界的关注.本文在对国际国内银行业务外包进行比较分析的基础上,指出了我国目前银行业务外包存在的问题,并提出了改进的建议.     

我国银行的业务外包：问题与建议

本文在对国际国内银行业务外包进行比较分析的基础上，针对我国银行外包业务刚刚起步，业务范围狭隘、外包服务商不成熟、法律监管制度不健全等问题，提出如下政策建议：不同规模的银行应结合现有资源来选择其他包路线，根据外包战略逐步扩大外包业务范围，健全外包商的信用评级机制，完善法律环境并加强外部监管。     

我国银行业务外包的风险与其防范

银行为了集中精力发展核心业务,而使非核心业务进行外包,银行业务外包虽有一定的优势,但其还存在一定的风险.本文主要对银行业务外包的风险以及其防范措施进行分析.     

我国银行业务外包的收益与风险分析

一,引言 业务外包(outsourcing),又称"资源外包".一般认为是由美国学者Gary Hamel和Praharad于1990年在<企业的核心竞争力>中首次提出"outsourcing"--外部寻源这一概念的.银行业务外包,是指银行将原本应有自身处理的一般性业务或者服务的辅助环节交给外部专业公司和服务商完成,以便降低银行经营管理成本,将自身核心能力集中关注于体现银行竞争优势的知识密集型活动,从而不断增强其可持续发展能力.银行业务外包既是银行应对日益激烈的市场竞争的重要工具,也是银行主动调整战略、实现核心价值的有效手段.     

论中资银行发展私人银行业务对策

随着我国银行业逐步向外资银行开放,国内银行即将面临强大的国外同业竞争压力.无论在技术、管理水平还是营销理念方面,国内商业银行与外资银行都还有很大的差距,这一点在零售业务方面表现得尤为突出.目前,多家外资银行已在我国的零售银行业务上悄然试水,着重发展私人银行业务.面对外资银行对"高端客户"市场的争夺,国内银行应当如何应对,成为摆在与外资银行同场竞技的国内银行需要考虑的迫切问题.     

私人银行业务:高端财务管理的发展趋势

2005年9月27日,美国国际集团(ATG)旗下专门从事私人银行业务的瑞士友邦银行上海代表处正式开业,这是首家进入中国市场的国际私人银行,国外私人银行在中国的正式登陆引起国内金融界的高度关注.……     

我国银行业务外包现状及问题分析

近年来，银行业务外包作为银行提升核心竞争力的有效手段，在全球范围内引起了广泛关注？本文借鉴以往理论分析银行业务外包产生的原因，并综合其在我国的发展现状．分析总结存在的问题，最后提出相应的建议和对策、     

我国私人银行业务发展策略分析

近年来,中国经济一直保持高速增长,富裕人群规模不断扩大,为私人银行业务的发展提供了很好的基础。私人银行业务以丰厚的利润备受国际银行业重视,在欧美国家已经有几百年的历史。我国私人银行业务也受国内银行的重视。本文从私人银行业务概念入手,分析我国银行发展私人银行业务的必要性,重点阐述了我国银行开展私人银行业务的策略选择。     

私人银行业务：高端财务管理的发展趋势

2005年9月27日，美国国际集团（ATG）旗下专门从事私人银行业务的瑞士友邦银行上海代表处正式开业．这是首家进入中国市场的国际私人银行．国外私人银行在中国的正式登陆引起国内金融界的高度关注。     

私人银行财富管理业务分析

中国发展私人银行业务的现状及前景、国外私人银行的财富管理经验、目前国内私人银行财富管理现状与不足、我国的私人银行财富管理如何在当前的经济形势下实现快速发展。     

Outsourcing and firm productivity: a production function approach

This paper is aimed at analyzing the relationship between outsourcing and productivity. Specifically, this paper deals with outsourcing at the firm level and focuses on the role of contracting out of manufacturing activities. I obtain new insights on this topic, mainly using a precise measure for outsourcing and analyzing differences across industries. Using an unbalanced panel of Spanish manufacturing firms, I estimate a production function depending on traditional inputs (labor, capital, and materials) and an index of production subcontracting. I find that for manufacturing as a whole, outsourcing intensity has a positive effect on productivity, showing an elasticity of output with respect to outsourcing around 0.15. When analyzing industry level results, I find that outsourcing intensity has a positive effect on productivity, mainly for firms belonging to light industries.     

业务外包决策的经济学分析模型

业务外包正在成为企业或国家的一种经营战略与经营管理的新理念。在系统综述业务外包与外包管理理论和应用研究的基础上,运用经济学分析问题的方法和思路,在简单的假定前提下,给出一个业务外包分析的经济学模型,模型分析表明,业务外包不仅会增加本企业或本国的工资水平,而且会提高一国的就业率。     

Outsourcing, Foreign Ownership, and Productivity: Evidence from UK Establishment-level Data

The paper presents an empirical analysis of “outsourcing” using establishment‐level data for UK manufacturing industries. The authors analyze an establishment's decision to outsource and the subsequent effects of outsourcing on the establishment's productivity. Outsourcing is compared in domestic with foreign‐owned establishments. The empirical results suggest that high wages are positively related to outsourcing, suggesting that the cost‐saving motive is important. Foreign‐owned firms have higher levels of outsourcing than domestic establishments. In the productivity analysis, an establishment's outsourcing intensity is positively related to its labor productivity and total factor productivity growth, and this effect is more pronounced for foreign establishments.     

Does Outsourcing Always Benefit Skilled Labor?

This paper builds a dynamic product cycle model with three kinds of labor inputs—scientists, white‐collar workers, and blue‐collar workers—and producer heterogeneity to find an explanation for why outsourcing did not cause wage inequality in the 1970s. According to the theoretical model, outsourcing decreases the wages of white‐collar workers and the relative wages of white‐collar workers to blue‐collar workers in the outsourcing home country if outsourcing industries are blue‐collar worker intensive compared with non‐outsourcing industries. Scientists who conduct research and development always benefit from outsourcing.     

乡村外包对江苏服务外包产业影响研究

金融危机与欧债危机的双重背景下,美国服务外包领域的乡村外包作为一种新兴产业新模式,正受到业界高度重视。专家预测,随着乡村外包模式的逐渐成熟,美国极有可能将在亚洲的离岸外包业务转变成乡村外包模式发包。文章在对离岸外包企业进行调查问卷、深度访谈与参看内部资料的基础上,借助扎根理论研究乡村外包模式对江苏省服务外包产业的可能性影响,经过开放性编码、关联性编码与核心性编码分析总结出8个结论,构建了一个包括3个一级指标、6个二级指标、12个三级指标的有效应对乡村外包的竞争力体系。研究结果表明,乡村外包模式降低了美国接发包企业的成本、国际市场风险、汇率风险与国际法律纠纷风险等,也符合美国政府刺激经济复苏、呼吁提高就业率的号召。江苏省承接离岸外包的企业必须采取积极措施加以应对。     

Market thickness,sunk costs,productivity, and the outsourcing decision: an empirical analysis of manufacturing firms in France

Abstract This paper presents an empirical analysis of outsourcing behaviour by French manufacturing industries. It focuses on the effects of market thickness, sunk costs, and the productivity of firms on the outsourcing decision. I estimate a dynamic probit model where outsourcing decision is linked to past outsourcing behaviour. The results show that outsourcing is a persistent strategy adopted by large firms and suggest the presence of significant sunk costs associated with outsourcing. The results also show that market thickness reduces search costs and enhances the establishment of outsourcing relationships.     

佛山市服务外包产业发展的现状分析

佛山发展服务外包产业具有显著的区位与政策优势,广东金融高新技术服务区的建立更为佛山发展服务外包产业带来巨大契机。本研究通过实地企业调研发现,当地的制造企业具有很强的服务外包需求,发展服务外包产业的潜力巨大。本文最后在调研的基础上提出了对产业发展的建议。     

International outsourcing and the demand for skills

This paper explores the impact of international outsourcing on the demand for skills in three small and open EU economies. A model of variable costs and factor demand functions for different skill levels and imported as well as domestic materials are constructed. International outsourcing is treated directly as a substitution process between labour of different skills and imported inputs. The direct consequence of international outsourcing for labour is measured by the cross price elasticities. These cross price elasticities indicate a negative outsourcing impact on low- and medium-skilled labour in the three countries and on high-skilled labour in two out of the three countries. This outsourcing effect on labour is compared with the direct effect of embodied technical change and of the technical change bias. International outsourcing has a more unambigous and significant negative impact on labour than technical change. Technical change is either labour using (embodied technical change) or only slightly biased in favour of high-skilled labour. When the cost savings effect of international outsourcing is taken into account, an indirect positive stimulus for all skill categories arises from a greater demand for goods. It can be shown, that this indirect positive effect can compensate for a large part of the negative substitution impact of international outsourcing on labour.